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Federal Tax Returns/Tax Transcripts - Update #20-14
Current rates
| Program Name |
Conventional Loan Rate |
Government Loan Rate |
|---|---|---|
| Military Home | N/A | 6.375%* |
| First Home Targeted | 6.750%* | 6.375%* |
| First Home | 7.000%* | 6.625%* |
| Homebuyer Assistance (HBA) | 7.250%* - 1st loan 1.000%* - 2nd loan |
6.875* - 1st loan 1.000%* - 2nd loan |
| Welcome Home+ | 7.625%* | 7.250%* |
| Welcome Home Assistance (WHA)+ | 7.875%* - 1st loan 1.000%* - 2nd loan |
7.500%* - 1st loan 1.000%* - 2nd loan |
| Build Home++ | Varies* | Varies* |
| Refinance Home | 8.375%* | 8.000%* |
Last changed 10/09/2026 at 9:00 a.m
*This is not an advertisement for credit as defined in Reg.Z; contact a participating NIFA lender for Annual Percentage Rate (APR) information. Rates are subject to change without prior notice.
+An origination fee up to 0.50% of the loan amount may be charged by Lender.
++ Interest rate based on program eligibility. See program details.
News Types
Apr 12, 2020
Federal Tax Returns/Tax Transcripts - Update #20-14
Program Update #20-14 dated 4/13/20
NIFA requires Participating Lenders to obtain the most recent three-year signed federal tax returns or IRS tax transcripts. This requirement applies to all occupying borrowers and non-borrowing spouses.
For non-borrowing occupants who are self-employed, NIFA only requires the most recent signed federal tax return or IRS tax transcript and a YTD profit and loss statement.
Please do not hesitate to let us know if you have any questions. Thank you!
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Lincoln, NE 68508-1578
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